I'm sorry but i think it would be best to ask this without naming names... I have 3 Different CA's to deal with for ONE debt! OC reported until 2009 - DV CRA's, it came back verified with some late pays corrected. SOL is up in 2016. Issue with CA#1 & CA#2: CA#1 - has been reporting (never got any notice from them) - Oct,2011- Feb,2013 CA#2 - CA#1 Hired CA#2 to collect, Got a notice from CA#2 stating this and i DV them, they ignored so far and violated by sending me another request for payment a week after CMRRR was signed! CA#2 - is NOT on my credit report, yet! -> 1) Can i send and Intent to sue (ITS) letter to this 2nd CA & name them and their client CA#1 for violating FDCPA by continuing collection efforts after i mailed disputed? Is it allowed to name both? or only one (which one)? -> 2) Also I was thinking to send a letter to CA#1 asking CA#1 to let me deal with them directly since the agency they hired seems incompetent and unwilling to respond to my request for Validation under FDCPA.....And instead for CA#1 to "take the debt back" and to "properly validate" this debt as i have reason to believe no such debt actually exists due to the hired CA#2's actions or lack of actions.... Warning that if CA#1 refuses they would likely to be named in my ITS since they are the client on file. (which i could send them a copy of all transactions with CA#2 and a copy of the ITS letter of as well) What do you think? Overkill?? (trying to get everything into one letter to save $ from sending CMMR, i'd be $10-$15 in CMRRR costs fighting a debt that is supposedly $186 !!!) Issues with CA #3 CA #3 - On my last credit report pull I found another company that has been reporting this collection since 2009 - Jan,2013. The High balance & remarks on my CR matches the OC for the above mentioned debt. 1) They are STILL reporting.... as of Jan 2013 (which is overlapping with what CA#1 is reporting.....) But has CA#3 also has never sent me a notice.... 2) The amount in collection / Balance due is reporting 10x higher than what CA#1 & CA#2 are asking for as "FULL PAYMENT" and also what they are reporting to the CRA's 3) It looks like 2 active debts for the same OC on the same old account BUT the $ due are MASSIVELY different and i don't know which is the right one at all.....How do i navigate this without screwing myself over? CRA verify then ITS Letter for them posting the wrong balance due all these years? Something is very wrong here! Obviously ultimately i would like to have no one validate and have this go away. But then i would much rather a smaller amount validate than a much larger one. But it would also be nice to use the differences in reporting from 2 different CA's to get proof this is all wrong and have everything deleted by the CRA Or best yet, sue someone and have them send me a Check for verifying false information & wasting my time....=) Anyone been in the scenario before or have any insight? P.S. If you've read through this whole post, THANK YOU. Your insight would be much appreciated! Thanks,
Kam: I say sue them all, individually. 1) within 5 days, they are required to provide the req notices. 2) continued collection activity. 3) false & misleading representation of legal status of debt; reporting false credit information.
